NOBA Bank Group AB (publ) (STO:NOBA)

Sweden · Delayed Price · Currency is SEK

85.10

-0.60 (-0.70%)

Aug 10, 2026, 1:18 PM CET

NOBA Bank Group AB Financials Overview

Financials in millions SEK. Fiscal year is January - December.

Millions SEK. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	11,483	11,276	9,884	8,503	6,954	2,630
Revenue Growth	11.03%	14.08%	16.24%	22.27%	164.41%	44.98%
Gross Profit	11,483	11,276	9,884	8,503	6,954	2,630
Operating Income	4,892	4,610	2,878	1,515	1,329	-33
Net Income	3,586	3,412	1,999	1,067	882	-23
Earnings Per Share	7.16	6.82	4.00	2.10	1.76	-0.10
EPS Growth	49.17%	70.50%	90.48%	19.05%	-	-

Revenue by Segment

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023
Credit Card	1,932	1,914	1,543	1,205
Personal Loans	5,180	4,902	3,589	2,927
Other	58	36	-50	-101
Mortgage loan	644	643	652	566
Total	7,814	7,495	5,734	4,597

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Investments	1,952	2,844	10,952	2,373	3,723	1,924
Total Debt	27,830	25,530	20,286	18,305	19,686	19,208
Net Cash (Debt)	-25,878	-22,686	-9,334	-15,932	-15,963	-17,284
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-51.68	-45.34	-18.67	-31.86	-31.93	-34.57

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	-1,523	-6,056	6,851	-2,680	-2,371	465
Capital Expenditures	-224	-214	-134	-75	-41	-10
Free Cash Flow	-1,747	-6,270	6,717	-2,755	-2,412	455
Free Cash Flow Growth	-	-	-	-	-	-85.77%

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Gross Margin	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Operating Margin	42.60%	40.88%	29.12%	17.82%	19.11%	-1.25%
Pretax Margin	42.60%	40.88%	29.12%	17.82%	19.11%	-1.25%
Profit Margin	33.04%	32.02%	22.28%	13.96%	13.99%	-0.87%
FCF Margin	-15.21%	-55.60%	67.96%	-32.40%	-34.69%	17.30%

Dividends

Fiscal Year	Current	FY 2025
Period Ending	Aug '26 Aug 10, 2026	Dec '25 Dec 31, 2025
Dividend Per Share	1.600	1.600
Dividend Per Share Growth	0%	-

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 10, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	11.97	17.27	-	-	-	-
Forward PE	9.69	13.54	-	-	-	-
PS Ratio	5.49	5.22	-	-	-	-